You need money to get into debt, and they are very important to you.You are interested in the various proposals and visits you thought how to do so that you do not have refused to grant a loan.
Each person has their own situation, so the nature of these concerns can be quite different.Someone has a bad credit history.Someone gets a good salary, but in an envelope.And someone takes credit for the first time and can not imagine how to fill the bank profiles.
The following tips will help you figure out what to do to not denied credit.
1. Select an organization suitable to your situation
lending market there is an unspoken rule: the easier it is to get a loan, the higher the interest rate.It is important for us is not the fact, but the reason why.The rate is greater, the greater the degree of risk in terms of the bank.The risk of the bank understands the peculiar.The more you market information and proving your ability to pay, the less the danger of seeing the bank, and the lower the rate.
Hence the first conclusion: the opportunity to open his account to the lender.Work "in white", ready to give 2-PIT, copies of labor and other help - go to the big banks, and do not be afraid - the chances of getting a loan is very high.If problems with the papers and the money is needed urgently, looking for organizations that are ready to give a quick loan without certificates.
2. Fill out the form like a machine
you come to the bank and you are asked to fill out a questionnaire.Keep in mind that these clerks profiles tens and hundreds.They are very fond of when the information therein specified as clearly as possible and to the point.Moreover, the first profiles by implementing a computer program.
So write all government "reporting" language.He worked in the - "Such a company."Income: XXX rubles / month.Pay particular attention to loan purpose.It is better to write that it is taken for the purchase of a durable good.About - not a place for creativity.Lyrical applications may be rejected automatically.Similarly, can get into the shopping cart application with minor errors or omissions in human terms, but critical to the computer.
3. Write fairly, do not hide anything
Too many people try to hide information about their bad credit history.Some even go on a fraud with forged passports.Such cases are only glad the security service of the bank.
If the bank enforces you to test properly, it is easy to find information in the credit bureau and in other places that you do not even suspect.If you have had problems in the past, but they are already behind - better and explain the bank employee.At the same time provide documentary evidence of your current solvency.
On the other hand, you may not need to describe anything.Remember, paragraph 1?Organizations issuing loan for an hour without certificates often are not interested in your income sources.
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So, we hope that these tips will help you decide what to do in order not to have given up on credit and gave confidence before going to the bank.Finally we recommend carefully read everything you sign, and also be sure to calculate the full cost of the loan.Do not take a loan, so that payments turned out more than 40% of your monthly income.This will protect you from the debt trap.
